Transfer Vault is an Electronic Money Institution (EMI). As an EMI, we offer all the services of a commercial bank but with added benefits. Our client-first, tech-driven approach allows us to provide the fastest, most innovative, and safest banking solutions for businesses globally.
These services include multi-currency business accounts, foreign exchange in over 65+ currencies, and cross-border payments in more than 140+ countries and territories.
Electronic Money Institutions are at the forefront of the digital payments revolution, challenging traditional banks, driving innovation, and making financial services accessible to all.
Transfer Vault specializes in making high-value international payments affordable for businesses of all sizes. By partnering with top-tier banking and technology providers, we help you maximize every transfer.
Our goal is to support businesses and owners across a wide range of industries. We apply a logical approach to onboarding, compliance, and KYC procedures, allowing us to work with companies and individuals in high-risk regions that traditional banks might decline.
Every Transfer Vault account is assigned a Client Manager, an international payments expert dedicated to helping you capitalize on opportunities within your industry. You’ll receive personalized 1:1 assistance to navigate the global payments market on your terms.
Manage your finances effortlessly with our Client Portal – an all-in-one digital payments platform. Our user-friendly system provides a comprehensive overview of your global cash flow, held currencies, and IBAN accounts.
As an EMI, we avoid the legacy infrastructure and bureaucracy issues that banks face. Traditional banks are required to join the UK’s Financial Services Compensation Scheme (FSCS) because they loan out customers’ money, which could lead to insolvency if too many borrowers default.
As Transfer Vault does not loan out client funds, we maintain 100% liquidity. This means that, in the unlikely event of financial trouble, we can instantly release customer funds. We achieve this by keeping our operational funds separate from client funds in top-tier correspondent banks across Europe, including:
We don’t have a banking licence, but we are regulated by three leading authorities globally:
These regulatory bodies ensure we operate compliantly and legally, motivating us to provide the best possible service to our clients.
Choosing Transfer Vault over traditional banks is a decision for flexibility, convenience, and a more personalized payment approach. Transfer Vault is more than just a banking alternative; it’s a partner in your business journey.
Opening an account with Transfer Vault is easy. All we need are a few details about you, your business, and your international payment needs. Simply complete our quick application form, and our team will handle the rest.
If you’re not ready to apply, contact our friendly team to learn more.
